Why personal trainer insurance matters
As a personal trainer your work is all about getting people fit and healthy, but it’s a physical activity and unfortunately, accidents can happen. If someone injures themselves during a training session, they could bring a liability claim against you. You could also have an injury yourself, preventing you from working, which means losing out on earnings. Avoid taking unnecessary risks by protecting yourself with an insurance package tailored to what you do.
Why personal trainers need business insurance
Injured clients
Personal training requires meticulous attention to detail, but you can’t control everything. A client may say they’ve torn a muscle because of a stretch you told them to do, or worse, they could suffer a serious injury when a weights class goes wrong. You may not have been there at the time, but if they were training on your advice you could face a claim of negligence. We’ll help you to cover the legal and compensation costs of dealing with it.
Personal injury
You might hurt yourself during a workout, or even have an accident that isn’t related to training. Either way, being injured is a real danger to your earnings if you’re a fitness instructor or personal trainer. We’ll be there to help with expenses in this period, so you can focus on getting better without worrying about your finances.
Broken equipment
Whether you run fitness classes or one-to-one sessions, it’s likely that you use expensive workout equipment. On top of that, you probably rely on phones and computers to organise your sessions. If any of your gear breaks, you need to know you can continue to work with minimal disruption, so your insurance needs to deal with replacements and repairs.
If you’re not sure what you need, tell us a little more about your personal training business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for personal trainers
Public liability insurance
Public liability insurance is there to cover the legal and compensation costs if a member of the public claims they’ve been injured, suffered illness or poor health or their property was damaged because of your services. Whether someone trips on a piece of your equipment or you accidentally break their laptop while you’re visiting them at their home, if they decide to take legal action against you, we’ve got you covered.
Personal accident insurance
Personal accident insurance provides extra peace of mind for anyone who’s self-employed and relies on being able to work to earn money. If you have an accident and you can’t carry out your personal training sessions without resting up for a while, it could prove to be expensive. In your industry, you need to take good care of yourself, so we’ll ease the stress by helping to cover your expenses while you concentrate on your recovery.
Professional treatment liability insurance
Professional treatment liability insurance is designed to protect professionals whose jobs involve providing hands-on physical or medical care for their clients. If a client believes that they’ve suffered an injury or illness because of your actions or advice and they decide to take legal action against you, then whether or not you’re at fault, professional treatment liability cover is there to help with the costs of dealing with a claim.
These are just some of the types of business insurance for personal trainers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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